Income Protection

We have access to more than 20 insurers

Freedom of choice to find the most suitable cover today.

Give us 10 minutes of your time, when it suits you, to talk to one of our brokers and get your best income protection insurance quote.

Schedule a callback Request a quote

income protection

We have access to more than 20 insurers

Freedom of choice to find the most suitable cover today.

Give us 10 minutes of your time, when it suits you, to talk to one of our brokers and get your best income protection insurance quote.

Schedule a callback Request a quote

Income Protection

Income Protection insurance replaces part of your lost income if you are unable to work due to a medium or long-term illness or disability. It comes in the form of a regular cash payment, just like your normal wage, and gives you the financial security you need to cover your living expenses.

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Who needs Income Protection?

It takes work to build your career and accumulate assets that provide a good, stable life and future for you and your family. However, if you weren’t able to work anymore, how would you repay your mortgage, or make your car repayments, or cover your basic living expenses, from the groceries to your children’s sporting activities?

Most people don’t actually realise that Income Protection is relevant to them. It is only when the unexpected happens and they are unable to work that they realise the value of this form of protection.

You need income protection if:

  • you are self-employed and would have no source of income if you couldn’t work due to illness or disability
  • your employer provides little or no sick pay
  • you have no ill-health pension protection
  • you have family or dependents who rely on your income
  • you have no other source of income
  • you do not have sufficient benefits to replace your lost income and/or cover your daily/living expenses.

You can get tax relief on your Income Protection premium at your marginal (highest) rate of tax, up to a yearly limit of 10% of your total income. This can make an Income Protection premium more affordable. If you make a claim, the benefit will be taxable.

Income Protection provides cover until you can start working again – or until you retire, die or reach the end of the policy term – whichever is sooner.

Request a Quote

Speed up your quotation by filling in our online income protection insurance questionnaire. Then request a call back and we’ll have prepared everything you need to know to choose the right coverage for your needs.

Online income protection insurance questionnaire

Other types of income protection insurance we offer…

Personal Accident and Illness Insurance

Personal Accident and Illness Insurance provides cover if you fall ill or sustain a serious injury in an accident that prevents you from working.

If you are unable to work, Personal Accident and Illness Insurance will provide you with a regular cash payment to help you cover your living expenses. This relieves the pressure and financial burden of trying to replace lost income while you are not at work.

Not all accidents and illness are covered by Personal Accident and Illness Insurance so speak to your Sheridan Insurances broker to find out more about this cover and what is right for you.

Schedule A Call
Request A Quote

Meet the team

Benny Sheridan

Director

Audrey Jameson

Insurance Broker

Brian Flanagan

Insurance Broker

Your benefits…

Income protection insurance from Sheridan Insurances comes with a variety of benefits such as:

Our experienced and dedicated brokers who will research the market on your behalf
Reliable, trusted cover
Our in-depth understanding of policy terms to help you navigate the small print
Access to multiple different insurers
Freedom of choice to find the most suitable cover

Income Protection Insurance FAQs

We want to make sure you know exactly what income protection insurance from Sheridan Insurances protects you for.
Take a look at our FAQs or talk to one of our brokers.

Did you know?
  • Income Protection is often called ‘Permanent Health Insurance’ (PHI). It is not the same thing however as private health insurance.
  • Income Protection is now one of the most sought after “optional” insurance covers by professional people, such as solicitors, accountants, consultants, and engineers.
Top Tips
  • Income protection does not cover redundancy. To have income protection insurance cover, you generally have to be in full-time paid work or be self-employed with an earned income.
  • Compare the cost of Income Protection with the potential cost of NOT having it.
How much does Income Protection cost?

A number of variables will influence the amount you will pay for an Income Protection premium. These include:

  • the level of cover you need which is linked to a maximum of 75% of your income
  • the length of time you must be out of work due to sickness or disability before your income protection kicks in, and the
  • term of the policy.

Other factors such as your age, health, family medical history, job and lifestyle are also taken into account. 

Visit Our income protection insurance knowledgebase

How to talk to us…

Request A Call Back
Call Us
Visit Our office

We are here to help…

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What our customers say...

Dermot B.
Dermot B.
1685004982
We have worked with the Team at Sheridan Insurances for the past number of years on our Groups employees Health Insurance Scheme.Noeleen & her colleagues have provided a brilliant service giving clear and concise advice on a timely basis both to the company and on any employee queries that have arisen.
Mary S.
Mary S.
1684961878
Stephen helped me out with my first car insurance policy. He was great, made the process very easy, got me a good deal and was super friendly!
Margaret McKeon B.
Margaret McKeon B.
1684852249
Fabulous service from Siobhan and the team in Sheridan Insurances. I am a client for a number of years and the services is always the same - perfect. A customer focused team.
Jean A.
Jean A.
1681485547
Excellent support, guidance and advice from the QFA, Audrey Jameson
Helen C.
Helen C.
1676397557
Thank you, Miriam, at Sheridan Insurance.  Being able to discuss my home insurance needs as an Holistic Therapist was so stress free and easy with you. Your attention to detail and professional way made the whole process so smooth.  Thank you for the human touch also, in taking the time to walk me through my policy.   Highly recommending your services and supporting your local business in Navan. Co Meath. Thank you, Miriam Sheridan and Sheridan Insurance. Helen Colgan
Richard L.
Richard L.
1675978984
Lifesavers – With 110% professionalism at all times, we were provided with much needed support and guidance under difficult circumstances, with a very tight deadline. Without the team in Sheridan Insurance’s diligence and effort, going the extra mile on more than one occasion, we can honestly say we wouldn’t have the secure future we can now look forward to. We would recommend Sheridan Insuances to anyone looking for any type of insurance. Hands down the best decision you'll make! Thank you Audrey, Brian and Niall. Richard & Maria Leonard
Fergal S.
Fergal S.
1666552611
An absolute pleasure to deal with, there is great communicators in Sheridan insurance, Brian Flanagan is an absolute gentleman. Will definitely be in contact with Sheridan insurance in the near future.
Pauline B.
Pauline B.
1654720862
Highly recommend this insurance company they have gone above and beyond to help me get my business insurance and at a great price.The staff couldn't have been any more helpful to me.Give them a call you wont be disappointed
Andrew S.
Andrew S.
1652453394
I used Sheridan Insurances in Cavan today and the service was absolutely first class. They were helpful, knowledgeable, professional and polite. I can highly recommend Sheridan Insurances.
Mary R.
Mary R.
1642105907
Well mannered and attended toWith ease and business done ..quickly
Eugene T.
Eugene T.
1536342515
Great gang in sheridans insurance very easy to deal with.. especially Tommy Brady top man when you need one..
Pip A.
Pip A.
1506949475
My name is Philip Sheridan Sides.I was buying a van on done deal when I saw the advert for Sheridan insurance. The playright Richard Brinsley Sheridan was one of my ancestors and that is where the Sheridan in my full name as we had the same name. \I rang the office for a quote and was put through to broker Kelly Crowe. My first premium was high as I had been with Dolman Insurance who specialise in Camper vans and my no claims on the camper van was not able to transfer. This is something I believe the insurance industry should change as it is unfair on camper van drivers who like myself at the tie use the vehicle as their only method of transport.This was seven years ago. I am a very busy free lance photographer, musician and I run an NGO called Whistles for Refugees.The NGO collects unwanted tents and sleeping bags at festivals, thus saving them from landfill thus turning this landfill into aid for the most vulnerable people on this planet fleeing the horrors of ISIS. Whistles for Refugees also brings whistles out to refugee camps, music is healing and the Irish tin whistle gives the opportunity for the refugees to learn and play Irish music with an instrument that is light portable, inexpensive to buy and relatively easy to learn.Sheridan Insurance are currently researching for an underwriter to provide public liability insurance for our NGO so that our volunteers are covered should they get pricked by a needle while cleaning out tents at festivals or any other risk involved in our work.Broker Kelly Crowe has been amazing at her job. From the very beginning Kelly was able to organise a quote, with my line of work and my bad luck with vehicles I am often having to rent replacement cars to make sure I get to my commissions safely and punctually. I am never 5 mins from getting my insurance transferred to keep my rental costs lower. I needed a copy of my no claims bonus to get insured on my partners camper van and this was emailed to me within 5 mins of my request, even though this was with a different firm!I also run a tour business bringing clients on adventures with sea kayaking and photography. Once again my broker was able to produce a policy that was affordable and organised with minimal fuss in minimal time.For quality, price and especially (what I believe is the most important in business) service, Sheridan insurance is second to none.I could not recommend Sheridan Insurance and my broker Kelly Crowe enough.
JP M.
JP M.
1495832320
We all hate shopping for insurance but the brokers at Sheridans do all the legwork for you and find the best deal and the cover you actually need - plus they are easy to deal with. You get assigned a broker and you can actually speak to a real human being. Great idea.
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